Looking at moving to the Goldy? Here’s what you need to know to ensure you’re getting it right.
Buying a house in the Gold Coast
Buying a home on the Gold Coast is an exciting move for anyone who wants a warm climate, an active outdoor lifestyle and some of the most desirable suburbs in Queensland. The region continues to attract buyers from interstate and overseas which keeps demand high. This is great for long term growth, although it also means competition can be strong and prices can move quickly.
In this guide we break down what it is like buying a house on the Gold Coast, compare beachside and inland suburbs, and show you how to find the smartest home loan rates available.
Beachside Gold Coast vs Inland Gold Coast
Most people imagine living close to the beach with quick access to surfing, cafes and entertainment. However many inland suburbs have become incredibly popular with families and first time buyers because they offer more space, new infrastructure and easier access to the M1.
Choosing between beachside and inland living depends on what you value most. To help you compare your options we created the following table.
| Category | Beachside Gold Coast | Inland Gold Coast |
|---|---|---|
| Median House Price (2025) | $1.2 million to $2.5 million | $700,000 to $1 million |
| Recent Price Trend | Strong demand from interstate buyers and steady growth | Fast growth in emerging suburbs with new developments |
| Capital Growth Profile | High long term demand and limited land availability | Strong growth potential in new housing areas |
| Rental Yields | Lower yields due to high purchase prices | Higher yields driven by long term tenants and families |
| Rental Demand | Very strong during holiday periods and from lifestyle tenants | Consistent demand from families and professionals |
| Transport Infrastructure | Tram extensions and quick access to beaches and hubs | New road networks, improved bus routes and M1 access |
| Health and Education | Major hospitals, private clinics and popular schools | New schools, medical centres and childcare options |
| Lifestyle | Surfing, cafes, nightlife and compact living | Larger homes, quieter environment and family friendly |
| Buyer Profiles | Downsizers, lifestyle buyers, investors | First home buyers, families and value driven buyers |
Finding the Smartest Mortgage or Home Loan Rates on the Gold Coast
If you are a first home buyer or a returning buyer, there are several programs that can help you secure lower interest rates and more manageable repayments. The key is knowing what is available and how to use these options effectively.
Key grants, schemes and support programs in 2025
First Home Owner Grant in Queensland
Eligible buyers who purchase or build a new home can receive up to fifteen thousand dollars. This can reduce your deposit or help with upfront expenses.
Queensland Transfer Duty Concessions
First home buyers may qualify for reduced or zero transfer duty depending on the value of the home. This can significantly reduce the cost of entering the market.
Australian Government Five Percent Deposit Scheme
This national program allows eligible buyers to purchase a home with a five percent deposit. Single parents or guardians may qualify with only a two percent deposit. The guarantee removes the need for Lenders Mortgage Insurance which saves thousands in upfront costs.
First Home Super Saver Scheme
Buyers can save their deposit using voluntary super contributions. These contributions benefit from concessional tax treatment and can be withdrawn later for a first home deposit. This can be a more efficient savings method for many people.
Shared Equity and Deposit Support Programs
Some buyers can access programs that contribute funds toward the purchase price in exchange for a share of the property. These programs reduce deposit requirements and may remove the need for Lenders Mortgage Insurance.
Using these schemes together can reduce the amount you need to save and shorten the time it takes to buy a home.
The Importance of Clean Paperwork and Lender Comparison
Accurate paperwork and comparing multiple lenders can improve your chances of approval and help you secure a better interest rate. Many buyers are surprised by how much difference a well prepared application can make.
Working with a mortgage broker simplifies the process. A broker understands the requirements of different lenders and can structure your application in a way that aligns with your goals. Our team offers a free consultation so you can decide whether we are the right fit for you before committing to anything.
If you are new to the idea of using a mortgage broker, complete our contact form and we will send you a simple resource that explains what we do and how we can support your home buying journey.
All the best with your Gold Coast property search.
Australian Finance Brokerage